Standing
Chains can only push, so stablecoins have no subscriptions and no chargebacks. Standing is a capped, revocable onchain mandate where each charge sits in escrow through a reversal window, and the right to reverse is earned through clean payment history.
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Every subscription runs on pull: the payer authorizes once and the payee draws funds repeatedly. Blockchains are push-only, because only the holder of a private key can move funds. So a merchant wanting recurring stablecoin revenue either begs customers to remember each month or takes custody of their funds. There is also no chargeback. A payer who pre-authorized a pull has no remedy short of court, while Mastercard projects US chargeback volume at 146 million disputes worth $15.3 billion in 2026.
We surveyed 28 builders in crypto communities. The most common way they collect recurring payments from crypto-native customers is a bank transfer. 24 of the 28 have declined stablecoins for recurring billing, and the top reason was "no way to auto-charge on a schedule," with "no way to handle disputes or refunds" third. Those are the two mechanisms Standing builds. 19 said they would run a testnet integration; none said no.
Standing is a mandate the payer signs once, stating who may charge, how much at most, and how often. The revoke button belongs to the payer alone and works immediately, without the merchant's cooperation. Each charge lands in escrow with an unlock time rather than going straight to the merchant. During that window the payer can reverse it; after the window it finalizes on its own. No arbiter, no adjudication, nobody to trust.
The hard part is that if reversing is free, customers do it when nothing went wrong, and no merchant would accept that. So Standing makes the right earned rather than granted. It vests only after clean payment history, and its ceiling scales with the value that history represents, so cheap history cannot unlock expensive theft. A fresh address holds no reversal right at all, which removes the Sybil clawback by construction rather than by policing it. Reversal history is public in both directions, so merchants price payer risk before accepting a mandate, and a merchant's own hold window shortens as they earn trust. That portable two-sided reputation is something card networks structurally cannot offer, because the data is their moat.
Built for crypto-native businesses that bill monthly: exchanges and trading desks, developer tooling, data and analytics APIs. Standing takes a protocol fee on settlement only, capped at 1% in code and never charged on a reversal, so revenue tracks successful payments and the payer's remedy stays free. Reputation state is written on every settlement, so the design depends on low per-charge gas, which is why it is deployed and verified on Robinhood Chain Testnet and Arbitrum Sepolia, through Uniswap's Permit2 at its canonical address so the allowance stays revocable and expires on its own.